Five Questions About: Boiler cover

What is boiler cover?

Boiler cover is a type of insurance that will kick in if your gas boiler breaks down. It is designed to avoid expensive repair bills and offer householders 24/7 emergency assistance.

How much does it cost?

That depends on the offering. As an example, basic emergency boiler cover from the AA costs £16.48 a month. It covers four boiler breakdowns a year (with unlimited cover for labour, parts and material), up to £250 towards the cost of a new boiler and an annual service. Extras, such as central heating and electrics cover,can be added.

Isn't it covered under my home insurance?

Boiler repairs can form part of a home insurance policy but usually as an "extra". Esure's home emergency cover for example, costs £53.99 a year as a bolt-on to either buildings or contents insurance. It's wise to check your policy before buying boiler cover to ensure you don't double up.

Do I need boiler cover if I am renting?

No – your landlord or lettings agent will be responsible. But it's worth checking what kind of cover is in place and requesting the emergency phone number should you need it during a cold snap.

What are the pitfalls?

Don't be persuaded to buy cover you don't need. In October 2011, one provider, HomeServe was forced to suspend sales following allegations of mis-selling policies – for example to council tenants who are not responsible for the maintenance.

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